Posted on: 02nd Oct, 2012 01:09 am
We filed chapter 13 in 2007 which should have been discharged by early 2011 but our attorney passed so. Thus everything was given to a new one and the bankruptcy filing got discharged in late 2011. We were not educated to look for things on the credit report after the bankruptcy so until we pulled it. Medical collectors had been reporting the entire time throughout our bankruptcy, I did call them and advise them and they did take all their info completely off our credit reports. But another apparently sold to another bank, so the original says charged off while the new bank says included in bankruptcy. I was current on this particular bill right up till the filing. They said they had to report it they had a name change in the banks so that's why its on my report twice, they both have pretty much the same info and they keep updated their account on my report. Even though they had a name change for their bank or sold it, I don't know which, can the one say charged off?
If you have filed bankruptcy, then none of your creditors or collection agencies can report to your credit report. That will be considered illegal. You should immediately contact the bankruptcy attorney and ask him to take required steps against the concerned creditor/CA.
Hi Bolly,
As far as I know, if the account has been charged off, then both of them will be reported to your credit bureaus separately. However, if you've filed bankruptcy, then the lenders/CAs can't report anything to your credit report.
Thanks
As far as I know, if the account has been charged off, then both of them will be reported to your credit bureaus separately. However, if you've filed bankruptcy, then the lenders/CAs can't report anything to your credit report.
Thanks